@jayrock24 wrote:will cap1 approve an existing customer if they have 1 of there cra frozen or would it be a soft pull
It won't be a soft pull regardless for a new application. As for how many inquiries get lodged, tough to tell without knowing their loan origination system at an incredibly technical level, but I'd be betting on a HP on both non-frozen reports regardless.
Not certain how C1 treats frozen reports from an approval standpoint.
I will tell you that when I applied for Kohls (Cap One) last year, I only had one credit report that was not frozen(TU) and I was instantly approved. However, I have no way of knowing if they would have only pulled that one report, had my others not been frozen.
100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050